I appreciate those very clear answers.
Some of the witnesses mentioned that their concern is not necessarily on the things that you would consider outliers, but that the sales incentive practices that have come to our attention through the media are so widespread that they are part of the regular system. How do you try to identify those actions in terms of the goals and incentives that you have for your sales practices? They might be part of the regular practices of the bank that lead people to try to fit clients into products they don't necessarily need. How do you try to capture that?